Personal Umbrella

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Umbrella Insurance

An umbrella policy provides protection above the limits available in your traditional policies – think of it as insurance on top of your insurance. It can protect you in the event of an excessive lawsuit or large claims where your primary insurance may fall short.

Personal Umbrella Policy

Your personal umbrella insurance policy comes into play when the policy limits of your home, auto or other personal insurance policies have been reached. This policy may help cover costs above your standard policy limits so that your personal assets are not vulnerable in the event of an expensive claim.

Here is an example of when you would find an umbrella policy to be an important safeguard. Let’s say you are in an auto accident of which you are at fault and the cost of injuries you caused is $400,000. If your auto insurance bodily injury limit is $100,000, your traditional auto insurance company will cover that amount leaving an additional $300,000 unpaid and your personal responsibility. This is where your umbrella policy kicks in to protect you from having to pay that costly gap.

For more info be sure to watch this brief video on personal umbrella insurance.


Wondering just how vulnerable you are and how much additional coverage you need? Fill out this quick and easy form to get you started and then talk with a Brooks, Todd & McNeil agent about getting the coverage that keeps you protected.

Contact Us For A Consultation And Quotes

Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.

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